Trimble County, KY: Home-Insurance Distress & Forced-Sale Pressure

Trimble County, Kentucky carries a severe home-insurance-distress reading of 72/100 — ranked #560 nationally, in the upper half of U.S. counties. The trigger here is the premium, not the payment: uninsurable or unaffordable coverage moves owners to list ahead of any default.

Rebuilding is expensive in this market -- 14/100 on construction distress -- and coverage is priced off exactly that number.

Taken with the county's foreclosure and lien record, 72/100 tells you whether Trimble County owners face a coverage problem or a solvency problem — the two need different outreach.

Because Trimble County is rebuilt monthly from fresh federal and carrier inputs, the score you see is current to the latest renewal cycle, and its #560 national rank moves as conditions do.

It is the combination -- 64/100 hazard, 84/100 claims -- that makes carrying cost the operative trigger here rather than the loan.

Driving it: a FEMA hazard score of 64/100; NFIP flood-claim stress of 84/100 over three years, all of which push carriers toward higher rates or non-renewal.

With 8 flood claims and $354,732 in payouts on the three-year record, Trimble County gives underwriters a concrete reason to reprice or exit.

Trimble County's 72/100 is the kind of reading that shows up later as inventory: owners absorb one renewal, then list before the next.

Every U.S. county gets this monthly insurance-distress read from FEMA, NFIP and carrier data, wired to parcel-level foreclosure, lien and ownership records. The point is reaching those owners while carrying cost is still the problem, not after the filing.